Merchant Fund Express
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Equipment Repair Funding for Grocery Stores

Walk-in down, freezer case failing, scales offline? Get $25,000 to $5,000,000 to fix it fast and keep stock from spoiling.

Fund My Repair

Grocery Equipment Repair

Get the coolers cold and the registers running again

Every hour without refrigeration puts inventory at risk. We help grocers pay for repairs now instead of waiting.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Built for urgent equipment fixes

Quick application, few documents

About 5 minutes and three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ is considered, with steady store deposits weighed alongside your score.

Full cost before you sign

The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Repayment you can plan

Your offer lays out the repayment schedule up front.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

In a grocery store, broken equipment spoils money

When a walk-in cooler loses temperature, the clock starts on every case of dairy, meat and produce inside it. A failed freezer case, a dead compressor on the rack system, a broken slicer in the deli or a POS outage at the front all cost sales by the hour. Repair techs want payment when the job is done, and parts for commercial refrigeration rarely come cheap. Equipment repair funding for grocery stores gets the fix paid for now so the loss stops growing.

Repairs owners fund most often

Repair or replace?

Ask the technician for both numbers. If a unit is old and has failed more than once, replacing it can cost less over time than another patch. Repairs and the costs around them (lost stock, overtime, temporary rental units) usually fit working capital. A full replacement unit often suits equipment financing for grocery stores, which is set up around the specific asset. For illustration, a store might fund a compressor repair and spoiled stock as working capital while financing a new freezer case separately.

What the review looks at

Funders focus on your recent deposits and your existing obligations. A store with steady daily sales can show a clear repayment picture even after a costly breakdown. FICO 500+ is considered, so a credit dip does not shut the door. You will see the full repayment amount and schedule in the offer before you accept anything.

Apply while the tech is on site

The application takes about 5 minutes and starts with a soft credit pull. Send roughly three months of business bank statements; no tax returns are needed. Sole proprietors can apply, and funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

Can I include spoiled inventory in the request?

Yes. Many owners size the request to cover the repair plus the stock they need to replace.

Should I finance a replacement cooler instead of repairing it?

If repairs keep repeating, replacement can make sense. Equipment financing is built for that kind of purchase.

How quickly can the money arrive?

Funding can arrive in as little as 24 hours for qualified businesses once the review is complete.

Do I need a quote to apply?

A written quote helps you request the right amount, though the review itself centers on your deposits and obligations.

Is my credit score the deciding factor?

No single factor decides it. FICO 500+ is considered, and your deposit history carries real weight.

Can I fund repairs to a rented or leased unit?

Often, yes, since repairs are typically funded as working capital rather than tied to the equipment itself. Check your lease or rental agreement first to confirm who is responsible for the repair, so you are not paying for work the owner should cover.

Walk-in repair $26,000.00
Rack compressor $38,000.00
Spoiled stock $12,000.00
POS and scales $17,000.00

Example uses for illustration only.

How to improve your chances

Steps that lower repair costs and make funding simpler next time.

  • Schedule preventive refrigeration maintenance
  • Log every repair with date and cost
  • Get repair and replace quotes side by side
  • Keep temperature alarms on key units

Repair funding vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Weeks of underwriting
Paperwork
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Strong credit preferred
Credit check
Soft pull to start
Hard pull common
Application
About 5 minutes
Long application

Fix it today, protect tomorrow's sales

One secure application. A soft credit pull to start. No obligation to accept an offer.

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